2. Micro Options
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Codesarrollo
Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Micro Options Mohallah Hussainiya, Thaneel RoadChakwal, Punjab
Data approved: 2015-05-05
Data version: 2
Age of data: 115 months
Choose version

Institution

Codesarrollo Ladron de Guevara E13-408 Y BarcelonaQuito, Pichincha
Data approved: 2010-11-11
Data version: 1
Age of data: 172 months

Product

Livestock Loan Product 2 of 5 « Prev | Next »

Product

Credimicroempresarial Product 4 of 7 « Prev | Next »

Product Summary

Number borrowers1,831
Loan Amount (range)PKR 5,000 - 75,000
Loan Term (range)12
Other Services (text summary)Group Mtgs, Tech Asst Visits, Other Training
Annual Interest & Method26.0%-31.0% annual, Decl Bal
Fees3.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component28.5% - 30.5%
Fee Component4.2% - 5.8%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)32.9% - 34.0%
Transparency Index (min/max)72 - 79
Transparency Index (average)78

Product Summary

5,804
USD 400 - 20,000
6 - 50
Credit Ins, Seguro de Desgravamen
11.4%-17.0% annual, Decl Bal
None
None
None
N/A
 
N/A
17.0% (Int+Fee)
0
0
17.0%
0 - N/A
67

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 39,106,650
Portfolio (USD)USD 384,027.30
Active Clients with Loans1,831
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Live Stock, Breeding, Rearing etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product1
Regions ActivePunjab

Product Details

Key Statistics
Outstanding portfolio (USD)USD 15,830,467
Portfolio (USD)USD 15,830,467
Active Clients with Loans5,804
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Están orientadas a financiar actividades de microempresas productivas, de comercio y de servicios en general
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherSeguro de Desgravamen
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size75,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,00010%
PKR 10,000-25,00030%
PKR 25,000-50,00040%
PKR 50,000-75,00020%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 400
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term50.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest31.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLOAN PROCESSING FEE
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationVaries on loan size
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest11.44%
Highest quoted nominal interest17.00%
Reason(s) why interest rate variesLoan Purpose, Por la fuente de pago
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Livestock Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 25,000 Real 2015-03-25 12.0 months N/A PKR 6,982 34.0% 29.8% 4.2% 0.0% 0.0% 0.0% 77 PDF PDF
PKR 25,000 Generated 2015-06-01 11.8 months N/A PKR 6,618.57 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 20,000 Real 2015-03-25 12.0 months N/A PKR 5,366 32.9% 28.7% 4.2% 0.0% 0.0% 0.0% 79 PDF PDF
PKR 20,000 Generated 2015-06-01 11.8 months N/A PKR 5,294.86 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 26,000 Generated 2015-06-01 11.8 months N/A PKR 6,883.32 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 30,000 Generated 2015-06-01 11.8 months N/A PKR 7,942.29 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 40,000 Generated 2015-06-01 11.8 months N/A PKR 10,589.72 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 50,000 Generated 2015-06-01 11.8 months N/A PKR 13,237.15 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 60,000 Generated 2015-06-01 11.8 months N/A PKR 15,884.58 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 65,000 Generated 2015-06-01 11.8 months N/A PKR 17,208.29 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF

Full Pricing Data

Credimicroempresarial samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 400USD 1,100USD 2,000USD 4,150USD 8,000USD 12,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-212010-07-082010-05-122010-06-142010-06-172010-06-30
Loan Term (Months)7.0 months15.0 months20.0 months24.0 months42.0 months48.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component17.0%17.0%17.0%17.0%17.0%17.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)17.0%17.0%17.0%17.0%17.0%17.0%
Transparency Index676767676767
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Livestock Loan Price Graphs


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Credimicroempresarial Price Graphs


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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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X Axis
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